With all the talk about the health insurance and drug coverage of our neighbours south of the border, it’s easy for Canadians to believe that our universal health coverage will protect us should something go wrong. Unfortunately, this is not always the case. Finding this out too late can cost you an incredible amount of money, and in the worst case scenario, your life.
While it’s true that Canada has helpful universal health care, our country does not have universal drug coverage. If you do not have a health insurance plan (either through your work or a personal health insurance policy such as a plan from Medavie Blue Cross), you will have no choice but to pay the high cost of drugs here in Canada. In fact, every year Canadians pay $6 billion out of pocket for prescription drugs. That’s a number I want to see change.
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With the holiday season coming to a close, it’s a perfect time to reflect on the last year and to set goals for the coming 12 months. Some of these goals may revolve around healthy eating, taking more time to relax, or getting in better shape. While all of these are excellent choices, there’s another goal that should be at the top of your list—thinking long term and beginning to plan ahead for your future. In my opinion, there’s no better way to do this than by investing in a health insurance policy from Medavie Blue Cross.
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In Canada, it’s easy to assume the health care system will take complete care of you should you be diagnosed with a form of cancer, regardless of your circumstances. Unfortunately, this is not the case, especially if your treatment plan calls for at-home care. Because health care plans differ across the country, it can be difficult to understand what exactly is (and, perhaps more importantly, isn’t) covered by your provincial plan. Luckily, planning ahead and investing in a private Blue Cross health insurance policy today can ensure you and your loved ones will be taken care of should you face a cancer diagnosis in the future.
Atlantic Canadians Face Steep Bills for At-Home Chemotherapy Treatment
In Atlantic Canada, patients prescribed at-home chemotherapy treatment to be taken in pill form are often shocked to discover these life-saving medications are not covered by their provincial health care plan. This differs from treatment that takes place in a hospital, which is completely covered. This also differs from patients located in western Canada. While those patients are completely covered and can begin at-home treatment almost immediately, Atlantic Canadians may face staggering deductible and copayment costs. Worse still, cancer doesn’t wait for you to decide how to pay for these treatments, or even if you can afford to pay for them.
So what are your options?
If your employer offers a group insurance plan, it can be a great help, but these plans only cover a portion of your costs and can have cap limits—meaning eventually the cost of treatment could fall back to you. Pharmacare is also an option for some Nova Scotians, but to qualify, you must meet certain requirements (which you can learn more about here).
Your Best Solution is a Blue Cross Health Insurance Plan
I always say that it’s better to have a health insurance plan you don’t need to use than to need a health insurance plan you don’t have. If you’re in good health today, it’s affordable to be covered by a Blue Cross health insurance plan that will provide peace of mind for whatever life throws your way.
For example, if you choose a Blue Cross health insurance plan with enhanced drug benefits, the cost of your medications is 80% covered. This coverage is increased to 100% after $4,500 in eligible claims per year. Furthermore, with enhanced drug coverage there’s no overall benefit maximum, meaning you’ll never be left on your own to cover costs and your maximum co-pay per prescription will never be more than $50.
Consider that a month’s worth of at-home chemotherapy drugs can cost over $10,000, and it becomes apparent that a plan such as this can be—quite literally—a life saver.
Blue Cross Health Insurance Allows You to Focus on Recovery, Not Finances
Cancer is a difficult subject to discuss, but it’s important that you have a plan in place should you be diagnosed and prescribed an at-home treatment plan. A Blue Cross health insurance plan will help ensure you have the coverage and support you need to focus on beating cancer and living a long, healthy life with your friends and family.
To learn more about Blue Cross health insurance plans, be sure to read my informative resource package, which includes a helpful brochure and at-a-glance pamphlet, as well as a Medavie Blue Cross application form. And as always, be sure to contact me with any health insurance questions you may have. I’m always happy to discuss the right options for you.
It’s hard to believe that 2017 is just around the corner. The start of a new year often comes with a laundry list of new year’s resolutions. More often than not, these resolutions tie in with your health. While it’s great to commit to going to the gym more or keeping a closer eye on what you eat, I’d like to suggest that the best thing you can do to for your health is to invest in a personal health insurance plan. Whether you’re thinking about retiring next year, or you’re a young adult who is about to leave your parents’ coverage, committing to a personal health plan from Blue Cross is the best resolution to make. Read more »
Health insurance is an important consideration for people of all ages, even in Canada! While it’s true that a portion of our health services is covered by the government, provincial plans can be expensive, limit your choices, and should only be used as a last resort. On the other hand, an affordable insurance policy from Blue Cross can help round out your coverage—ensuring you pay less, have peace of mind, and can always focus on putting your health first. In this post, you’ll discover how to choose the insurance that’s right for you, as well as what level of insurance you should be considering at different stages of your life.
Getting Blue Cross Health Insurance in Easy
It’s never been easier for you to purchase your own personal health insurance plan, especially if you are in good health! That’s why I always recommend applying for a personal health insurance plan sooner rather than later, especially if:
- You do not receive health benefits through your work
- You’ve recently lost or will be losing your group benefits
- You’d like to complement your employer’s existing plan
Let’s take a look at a quick step-by-step breakdown for how to get started with your personal plan.
- Step 1 – Take a look at the different plan options that are available to you in the Elements by Medavie Blue Cross brochure (available in this free health Insurance resources package)
- Step 2 – Choose the coverage level that is right for you
- Step 3 Call Roy Lounsbury 888-507-0088
- Step 4 – Fill out the Medavie Blue Cross application form
And that’s it! In just three simple steps you can ensure your health is always protected.
Blue Cross Health Insurance Grows With You
What differentiates Blue Cross from other health insurance providers is their flexibility. With a Blue Cross plan, you choose a base coverage, then have the freedom to add or remove coverage as your life changes. You can also choose to add additional modules such as critical illness coverage, assured access, and hospital cash. The bottom line is with Blue Cross you’ll always have the coverage that is right for you.
Depending on where you are in your life, there are different ways to get the Blue Cross health insurance you need. Let’s take a look at a few life milestones, as well as the ideal plans for these times.
Just Starting Out
When you leave your parent’s plan and finally branch out on your own, it can be a very exciting time. It’s also the best time to invest in your own health insurance. When you’re young and healthy, you can get an excellent plan at an affordable cost. A Blue Cross health plan can provide security when you’re beginning your career. Once you find a job with an employee health plan, you can put your Blue Cross plan on hold and activate it again at a later date without having to re-qualify. This is a great feature, especially as life and circumstances change.
In this scenario, you may want to consider an entry level health plan with assured access so you can put your plan on hold (if you find a job with an employee plan) and reactivate it later without having to requalify.
Beginning a Family
Let’s say a few years down the line you find someone who you want to start a family with. Will your employee benefits plan be enough to cover all of the members of your expanding household? It’s possible, but hard to say for sure. On the other hand, if you have a personal health insurance plan from Blue Cross, you can easily expand your coverage to include your spouse and children—ensuring everyone in your family has the coverage they need to be healthy and happy.
If this sounds like you, you’ll probably want health and drug coverage to that ensure you and your little ones will always have access to the medicine they need.
Branching Out on Your Own
After spending time working for an employer, you may decide that you want to branch out on your own and start a new business. This is an exciting time, but can come with a great deal of uncertainty—and the last thing you want to worry about is health insurance! Luckily, Blue Cross is here for you. Earlier, I mentioned you can choose to put your plan on hold and reactivate it at a later date without having to qualify again. This would be an example of a great time to take advantage of that benefit. Simply reactivate your plan and you’re covered—allowing you to work toward the dream of starting your own business with an added level of security.
In a situation like this, I would recommend essential health and drug coverage, as well as dental coverage so you can look and feel your best while starting your new life.
Eventually, we all reach the point where we deserve some rest and relaxation! Retirement offers freedom, but it also comes with changes. Luckily, your Blue Cross health insurance plan can help you prepare for those changes. By this point, your children will probably be ready to branch out on their own, meaning you can once again adjust your coverage to focus more on the enhanced health, dental, and drug benefits you and your spouse will need during your retirement years.
When it’s time to retire, you should choose a plan that offers comprehensive health, drug, and dental coverage. Although Dental coverage may not be needed in certain circumstances.
For more information on insurance in your golden years, be sure to check out my helpful ebook, Retirement and Health Insurance.
Blue Cross Offers Health Insurance for Every Lifestyle and Budget
Regardless of where you are in your life, health insurance is essential. Whether you’re fresh out of school, starting a family, or ready to enjoy your golden years, a Blue Cross health insurance plan can help keep you and your loved ones happy, healthy, and secure. Best of all, Blue Cross health insurance is easy to get.
Ready to learn more about how you can protect your health? Contact me today! We can chat about your needs and how Blue Cross can help. I can also provide you with a quote that offers a clear understanding of the cost, as well as the benefits associated with a personal plan.
As you may have heard in the news recently, the cost of health insurance is going to be on the rise in 2017. This is, in part, due to more prescriptions being written for expensive new anti-inflammatory medications. The cost of these new drug treatments reached $2.2 billion in 2015, and as this number increases, the price of your employee or personal health insurance plan will as well.
While a cost increase is never the news anybody wants to hear, it’s important to look at these upcoming changes as an opportunity to invest in a health insurance plan that you can tailor to your needs. With a Blue Cross Health Insurance Plan, you can ensure you’re getting the coverage you need, while offsetting some of these additional costs in the process.
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Everyone looks forward to life after retirement. Being able to relax, enjoy your hobbies, and live out your lifelong dreams. While fantasizing about the future, your health insurance benefits are not usually top of mind. Unfortunately, changing work environments are making it increasingly more difficult for you to depart your job knowing you have a secure future. Here are a few things you need to know about changes happening with health insurance benefits and how Medavie Blue Cross Insurance can help. Read more »
The Medavie Health Foundation does outstanding work contributing to the well-being of Canadians. They sponsor countless community-based organizations and programs, working to ensure that Atlantic Canadians can easily access support to prevent and treat health issues or challenges. As contributing to community development is a core value of mine, the Medavie Health Foundation is just one reason I’m proud to offer Blue Cross health insurance products to my clients.
Here are some initiatives that you’re supporting directly when you choose health insurance from Blue Cross. Read more »
When we think about retirement, many of us imagine finally putting our feet up or not having to set that alarm. Relaxing, enjoying our hobbies, and spending time with our families top the list of preferred activities. We don’t spend a lot of time daydreaming about the insurance coverage we’ll have when once we’re finished working. However, as you do your retirement planning, you should also consider the health insurance and life insurance options available to you.
Will Your Group Plan Coverage Extend to Your Retirement?
Retirement planning can be complex. There are often many considerations, including whether we’ll be able to maintain the health insurance we currently have from our employers. Speak to your employer early on in your retirement planning to confirm whether you’ll still have access to your current level of coverage. Read more »
Going back to school as a young adult in university or college is a bit more complicated than going back to high school. There are courses to register for, apartment leases to sign and roommates to find, student loans to secure, secondhand furniture to hunt down, and moving vans to book. Going back to university or college has a to-do list that can seem miles long, so taking a look at your health insurance options may be an afterthought.
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